Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5065941
Complaint Overview
Complaint ID: 5065941
Company: Equifax, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Texas
ZIP Code: 76137
Date Received: 2022-01-03T12:00:00-05:00
Date Sent to Company: 2022-01-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I officially notified the Credit Reporting Company via certified letter that I had an unauthorized inquiry on my credit report in XX/XX/XXXX I demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this inquiry was requested repeatedly. They neither provided me strict proof or DELETED the item immediately!! This is the official second notice. If they do not delete the inquiry in 15 days I will take legal action. Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter and submit their reinvestigation information proof. If they ignore this notice and do not delete the inquiry or dont provide STRICT proof of authorization I will have no other choice but to send notice to the Attorney General for further scrutiny of this matter. The credit reporting company received my request/demand to provide proof that I have given the authorization to pull my credit on the following hard injuries that follow : XXXXXXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXXl XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX MiscellaneousXX/XX/XXXX1 They have not responded to my request and now are in DEFAULT. They must immediately remove any derogatory reporting to the credit reporting agencies because they are causing defamation of my character and I will be forced to take legal actions against this credit reporting company. Anything outside the scope of this evidence constitutes defamation of my character and I will be forced to take legal actions against them. **Immediately remove any derogatory reporting or consider this as contrastive notice of impending legal action. ***
Frequently Asked Questions
What is Complaint #5065941 about?
Complaint #5065941 was filed against Equifax, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2022-01-03T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.